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I was a lurker, but inspired by this thread to start my own diary and although my figures are positively small fry to some - its still my mortgage.

A bit about me, took the plunge and bought a house age 50 plus by myself, everyone asked "Are you mad?" But thought - I can do this.

Bought at auction, so got a bit of a bargain (the only way I could afford a mortgage) and had what I would call (in my terms) a nice deposit. Took out an 80% mortgage, and lenders would only give me an 18 year term, 2 years fixed at 4.5%, so in my eyes I have already knocked 7 years off my mortgage - how's that for positive thinking?

I'm now 3 years down the line and have already made the classic mistake, did not renew my fixed term after the 2 years (and still haven't) as it reverted to 3.99% which was lower than I was paying and on making my first large overpayment, they reduced my monthly payments Little did I know what I know now. So its time to get my mortgage in order.

I have about a years mortgage savings - and about 3 years mortgage payments out on loan at the moment.

I pay a minimal 45.00 into an isa every month, but was thinking of adding this to my monthly mortgage payments when I remortgage thus reducing the years even further. What do you think?

I work full time and overtime is available for the moment although I never accept, as I go in early and stay late - could class that as overtime,

As you can tell, I'm a bit obsessed with overpayments, but well - you can see my point - at my age, want to be "mortgage free" asap.

My Motivation Madness;I have a simple method to keep me motivated, only thing is to explain I make it sound complicated and only works if you have a sub account as well, but you could adjust to suit yourself.

Thanks for that Bexster, I can just imagine my shed driving down the motorway almost like these houses they build in the States . . . like a mini caravan with wheels and they just drive about in order to save having a mortgage (must be tired) cannot think of the name for them.

Always have 00.00 at the end of your mortgage and one day it will all be 0's

Loads to do - list endless - one scored off, 2 added on and not feeling great for it, everything piling on top at the moment.

So plan of action needed, list jobs and stick to it - one thing at a time and by end of May list complete so long as nothing else added on.

Paint bought for porch roof but found out it's too high for me. Picture in my mind that I get up there, then ladder somehow falls over and I'm stuck up on a flat roof which doesn't help

My imagination can sometimes run away with itself. So it's painting on the ground for me with a little stool to reach to top of the shed, then onto the fence, after that if I have time the hedge needs cut down - again - probably nearly 8-9 feet high - should be around 5 and half feet - that way I can reach it - just. Then there's the grass - you get the picture . . . .

Washing no.2 nearly finished - hope I have enough line to put it on . . .

Will report back - that may give me motivation to get something done.

Always have 00.00 at the end of your mortgage and one day it will all be 0's

Had a lovely day. Did I tell you, I've started flying lessons? Part of my day out involved flying over the city in a biplane!

I think if people notice it, you should consider the Italian way of dolce far niente ( roughly translated - pleasant idleness). What do you like to do for fun? What gave you been putting off doing because you don't " have time"? Decide to do one before the end of May.

If I waited to do what I wanted until all the jobs were done I'd never do what I wanted to do. The list doesn't end!

Get you The sky's the limit for you No, you didn't mention you were taking flying lessons, not envious though, hate heights, can't even go up a ladder except one that's attached.

Looks like Spain is Off. Just a dream, needing some time off and the usual, can't get it, amongst other things.

Side line is taking up a lot (most) of my spare time, so hopefully that saying is correct, "You reap what you sow"

Not had "fun" for ages and it's only "housey" jobs I put off.

Still have made a good start, moved furniture, general tidy up and have plans to make new curtains (have the fabric) and move my pictures on the wall to - "somewhere" and have a "saying" to put up in their place.

Then get out my collection that's been in boxes since I moved and ebay the duplicates (of which I have many, many). Then all that's left will be the fireplace and wall above it to change/decorate - mulling over what I can do with it atm.

I never give myself a rest. Financial news to follow . . . planning time for that at the weekend.

Always have 00.00 at the end of your mortgage and one day it will all be 0's

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